Just Us Debt!

As a place to go for all kinds of debt help, Just Us Debt can assist you in finding the best program to fit your needs. They really try to find the program that will work best for your specific debt issues and will not try to sell you on a program that just won’t work for you.With 8 years of debt settlement under their belts, Just Us Debt knows what they are doing. With fantastic customer service and late business hours, they seem to truly care about their customers.!!!!

Who They Are!

•  Debt Settlement!•  Debt Management!•  Credit Maintenance!•  Do It Yourself Program!•  WageShield!

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Services Offered!

WageShield is a system put in place to help protect your bank accounts, and other assets from your unsecured creditors.!

Most states have something called a “Charging Order” which does not allow more than one consecutive wage garnishment from your creditors. There are also restrictions state to state on how much can actually be garnished.!

WageShield will block unsecured creditors from enforcing their judgments so your life can run much more smoothly. !

What is Wage Shield?!

•  Once you have been trained on how settling debts works, you can easily do it on your own. !

•  It is recommended that you do the program for at least 6 months to get the best benefit from it. !

•  There is a guarantee on this as well; you simply need to show Just Us Debt your negotiation efforts and they will refund the full price of the program if it doesn’t work for you. You can also use the refund to go towards their debt settlement services as well.!

Do it Yourself Program!

Their “Support” link on the website directs you to their Knowledge Base which includes frequently asked questions and supportive topics for you to search. !!This is a good way to find out if someone else has had the same question and find an answer quickly and easily.!!Responses are usually handled within 24-48 business hours.!

Other Ways to Connect!

•  Blog – Though there are no entries for it on their website.!•  Testimonials!•  FAQ’s!

Do They Offer Debt!Management Resources?!

•  They do not charge any upfront fees whatsoever.!•  This company charges a bit differently than many

others in the industry. They don’t charge a percentage on the amount of debt you come into the program with, but instead will charge you 25% of whatever they save you. !o  For instance, if you owe $10,000 and they settle

your debts to $6,000, then they will charge 25% of $4,000 which is what they saved you. This works out to be $1000 fee to work with Just Us Debt. This is spread over the entire term of your program so it does not work out to be a large monthly fee tacked on to your creditors payment.!

What Do They Charge?!

With their debt settlement program, you can cancel at any time without penalty. You may want to consider sticking with the program though, since your creditors can start charging you fees again since they are no longer held to the agreement your debt settlement company made on your behalf.!!Their Do It Yourself program has a 6 month guarantee though. Make sure to call in and talk to a representative if you have any issues within that time frame.!!With their other services, you simply need to call and talk to someone to find a resolution that works for both of you.!

Do They Have a Refund!Policy?!

They are very active on all social media sites which helps you keep up on the debt industry.!•  Facebook!•  Twitter!•  BlogSpot!•  LinkedIn!

Are They Active on Social!Media?!

•  Do It Yourself Program – This gives you a great way to handle your debt on your own without paying so much to have someone else do it!

•  Social Media Activity – They are very active on all social sites. They also have a chat option on the website!

•  Great Customer Service – This was some of the best treatment we have ever received!

•  Future App – They are working on an app that will allow their clients to record calls from debt collectors, but this is only applicable to those not on the debt settlement program.!

•  Free Consultations!•  Price – That they charge you based on how much they

save you is very unique and a good thing in our opinion!

The Good!

The Bad!•  Their online debt education tools are kind of thin

compared to other sites we have reviewed.!

The Bottom Line!We feel that this would be an excellent company to consider to handle all your debt needs. The pro’s far outweigh the cons here. !!They offer tailor made programs for your specific issues, have great customer service and they could save you lots of money compared to many other companies in the industry. It impressed us that the customer service rep we spoke to asked detailed questions about our debt problems to match us up with the program that works. In the process, he told us that if they can save us money by not putting us in the program, and give us free advice, or enroll us in the DIY program. We respect a company that can tell us we don’t need their services if we in fact do not.!

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